. >> reporter: money the consumerrers union some schools get for giving credit card companies not just access to the names of students but, also, a place to recruit them. they are not welcome everywhere though. several states including maryland have already banned credit card freebies from campus and made it clear their student information is not for sale. >> it's a situation where their college or school becomes a predator. >> but the american bankers association is quick to down play saying so-called affinity cards are aimed at alumni and 5% of company co-eds got their cards from displays or events around schools. but more students are carrying plastic and spending big. a sally may study found half of all college kids have four or more cards and students are graduating with an average of $4,100 in debt. >> it's not worth it. not at all. if i could take it back i would have because i didn't know what i was doin'. >> but the consumerrers union wants to make sure students like tiara and their parents know what it takes to ace credit card 101. that's why they are pushing awareness saying